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POST /v1/payments/initiate{ "merchant_id": "mrc_48291", "customer_id": "cus_90127", "method": "a2a", "amount": 1299, "currency": "EUR", "metadata": { "order_id": "ORD-5821" },

POST /v1/payments/initiate{ "merchant_id": "mrc_48291", "customer_id": "cus_90127", "method": "a2a", "amount": 1299, "currency": "EUR", "metadata": { "order_id": "ORD-5821" },

POST /v1/payments/initiate{ "merchant_id": "mrc_48291", "customer_id": "cus_90127", "method": "a2a", "amount": 1299, "currency": "EUR", "metadata": { "order_id": "ORD-5821" },

POST /v1/payments/initiate{ "merchant_id": "mrc_48291", "customer_id": "cus_90127", "method": "a2a", "amount": 1299, "currency": "EUR", "metadata": { "order_id": "ORD-5821" },

New

We secured a Payment Institution license from De Nederlandsche Bank (DNB)

Local payments.
Unlocked.

Built for modern merchants to process local account-to-account and digital wallet payments, with full transparency, trust, and performance.

Get in Touch

Get in Touch

SOLUTION

SOLUTION

Purpose-built platform
for next-generation payments

Consumers worldwide are increasingly shifting from cards to local account-to-account and digital wallet payments. We’ve built a legacy-free platform to support merchants through this transition.

Explore Payment Methods

Explore Payment Methods

Revenue growth

Access best-performing local payment methods while reducing operational overhead.

Radical transparency

Designed for modern payments teams to control data and payment flows, manage routing and experimentation, and gain full visibility into costs.

Local expertise, global reach

Local expertise,
global reach

Local expertise,
global reach

As a regulated Payment Institution, we help you scale safely across markets.

PLATFORM

PLATFORM

Unified API for
European payments

We enable digital merchants to process local account-to-account and digital wallet payments with unmatched efficiency, transparency, and profitability.

Unified API

A single, standardized endpoint for all European A2A and digital wallet payments, designed around how merchants actually build and scale payments.

Read More

Nopan’s API is fully standardized across providers and countries, eliminating edge cases, inconsistent schemas, and ad-hoc logic.It’s designed around how modern engineering teams actually build and scale payments - idempotent flows, predictable state transitions, consistent webhooks, and fully typed request/response models. Your teams ship faster, reduce technical debt, and stay focused on your product rather than provider nuances.

Optimized flows

Boost conversion and retention with frictionless payment experiences.

Read More

Our orchestration layer continuously fine-tunes each step, reducing friction, speeding up authorization, and boosting conversion. The result is a seamless checkout that feels local, intuitive, and conversion-driven across every supported payment method.

Enhanced data

Access a comprehensive, unaltered data from underlying payment methods.

Read More

We give you normalized data structures while preserving raw detail, giving your teams a richer foundation for analytics, risk modeling, customer support, and financial operations. With clearer payment event visibility and more accurate metadata, product and finance teams gain insights that are impossible to surface through legacy PSP layers.

Modern tokenization

Support recurring and other MIT payments with our PSP-agnostic tokenization solution.

Read More

Enable recurring, installment, and merchant-initiated transactions through a PSP-agnostic tokenization system purpose-built for A2A and digital wallet rails. Tokens remain portable across providers, ensuring you’re never locked in. Our token vault is built on industry-leading encryption, mTLS, and detached request signing standards - designed to integrate seamlessly with your billing platform, orchestration logic, or subscription engine.

Settlement engine

Settle in multiple currencies, track fees and streamline reconciliation.

Read More

We streamline multi-currency payouts, unify fee structures across various payment schemes, and attribute all costs per transaction for accurate profitability tracking. Automated reconciliation handles everything from batched settlements to provider-level discrepancies, reducing manual finance work and closing your books faster. You get enterprise-grade precision with significantly less operational overhead.

Compliance

Built with enterprise-grade security and licensed by the Dutch Central Bank.

Read More

Built from day one to meet the requirements of global brands operating at scale. Nopan is licensed by the Dutch Central Bank (DNB) and adheres to strict European regulatory standards -including PSD2 compliance, strong customer authentication, and end-to-end encrypted data handling. Our platform is architected with zero-trust principles, continuous security monitoring, secure key management, and fully auditable flows. With Nopan, merchants can confidently expand across their markets knowing compliance risk is minimized by design.

Unified API

A single, standardized endpoint for all European A2A and digital wallet payments, designed around how merchants actually build and scale payments.

Read More

Nopan’s API is fully standardized across providers and countries, eliminating edge cases, inconsistent schemas, and ad-hoc logic.It’s designed around how modern engineering teams actually build and scale payments - idempotent flows, predictable state transitions, consistent webhooks, and fully typed request/response models. Your teams ship faster, reduce technical debt, and stay focused on your product rather than provider nuances.

Optimized flows

Boost conversion and retention with frictionless payment experiences.

Read More

Our orchestration layer continuously fine-tunes each step, reducing friction, speeding up authorization, and boosting conversion. The result is a seamless checkout that feels local, intuitive, and conversion-driven across every supported payment method.

Enhanced data

Access a comprehensive, unaltered data from underlying payment methods.

Read More

We give you normalized data structures while preserving raw detail, giving your teams a richer foundation for analytics, risk modeling, customer support, and financial operations. With clearer payment event visibility and more accurate metadata, product and finance teams gain insights that are impossible to surface through legacy PSP layers.

Modern tokenization

Support recurring and other MIT payments with our PSP-agnostic tokenization solution.

Read More

Enable recurring, installment, and merchant-initiated transactions through a PSP-agnostic tokenization system purpose-built for A2A and digital wallet rails. Tokens remain portable across providers, ensuring you’re never locked in. Our token vault is built on industry-leading encryption, mTLS, and detached request signing standards - designed to integrate seamlessly with your billing platform, orchestration logic, or subscription engine.

Settlement engine

Settle in multiple currencies, track fees and streamline reconciliation.

Read More

We streamline multi-currency payouts, unify fee structures across various payment schemes, and attribute all costs per transaction for accurate profitability tracking. Automated reconciliation handles everything from batched settlements to provider-level discrepancies, reducing manual finance work and closing your books faster. You get enterprise-grade precision with significantly less operational overhead.

Compliance

Built with enterprise-grade security and licensed by the Dutch Central Bank.

Read More

Built from day one to meet the requirements of global brands operating at scale. Nopan is licensed by the Dutch Central Bank (DNB) and adheres to strict European regulatory standards -including PSD2 compliance, strong customer authentication, and end-to-end encrypted data handling. Our platform is architected with zero-trust principles, continuous security monitoring, secure key management, and fully auditable flows. With Nopan, merchants can confidently expand across their markets knowing compliance risk is minimized by design.

Unified API

A single, standardized endpoint for all European A2A and digital wallet payments, designed around how merchants actually build and scale payments.

Read More

Nopan’s API is fully standardized across providers and countries, eliminating edge cases, inconsistent schemas, and ad-hoc logic.It’s designed around how modern engineering teams actually build and scale payments - idempotent flows, predictable state transitions, consistent webhooks, and fully typed request/response models. Your teams ship faster, reduce technical debt, and stay focused on your product rather than provider nuances.

Optimized flows

Boost conversion and retention with frictionless payment experiences.

Read More

Our orchestration layer continuously fine-tunes each step, reducing friction, speeding up authorization, and boosting conversion. The result is a seamless checkout that feels local, intuitive, and conversion-driven across every supported payment method.

Enhanced data

Access a comprehensive, unaltered data from underlying payment methods.

Read More

We give you normalized data structures while preserving raw detail, giving your teams a richer foundation for analytics, risk modeling, customer support, and financial operations. With clearer payment event visibility and more accurate metadata, product and finance teams gain insights that are impossible to surface through legacy PSP layers.

Modern tokenization

Support recurring and other MIT payments with our PSP-agnostic tokenization solution.

Read More

Enable recurring, installment, and merchant-initiated transactions through a PSP-agnostic tokenization system purpose-built for A2A and digital wallet rails. Tokens remain portable across providers, ensuring you’re never locked in. Our token vault is built on industry-leading encryption, mTLS, and detached request signing standards - designed to integrate seamlessly with your billing platform, orchestration logic, or subscription engine.

Settlement engine

Settle in multiple currencies, track fees and streamline reconciliation.

Read More

We streamline multi-currency payouts, unify fee structures across various payment schemes, and attribute all costs per transaction for accurate profitability tracking. Automated reconciliation handles everything from batched settlements to provider-level discrepancies, reducing manual finance work and closing your books faster. You get enterprise-grade precision with significantly less operational overhead.

Compliance

Built with enterprise-grade security and licensed by the Dutch Central Bank.

Read More

Built from day one to meet the requirements of global brands operating at scale. Nopan is licensed by the Dutch Central Bank (DNB) and adheres to strict European regulatory standards -including PSD2 compliance, strong customer authentication, and end-to-end encrypted data handling. Our platform is architected with zero-trust principles, continuous security monitoring, secure key management, and fully auditable flows. With Nopan, merchants can confidently expand across their markets knowing compliance risk is minimized by design.

PORTAL

PORTAL

A complete payments
control center

Monitor every transaction, resolve issues faster, and stay in full control. Nopan’s Portal gives your teams real-time visibility, advanced reporting, and effortless configuration - all in one place.

01

Seamless setup

Add accounts, manage users, configure webhooks, and more.

02

Real-time visibility

Monitor performance, search transactions, and track key metrics with ease.

03

Powerful reporting

Add accounts, manage users, configure webhooks, and more.

01

Seamless setup

Add accounts, manage users, configure webhooks, and more.

02

Real-time visibility

Monitor performance, search transactions, and track key metrics with ease.

03

Powerful reporting

Add accounts, manage users, configure webhooks, and more.

01

Seamless setup

Add accounts, manage users, configure webhooks, and more.

02

Real-time visibility

Monitor performance, search transactions, and track key metrics with ease.

03

Powerful reporting

Add accounts, manage users, configure webhooks, and more.

TRUST & TRANSPARENCY

TRUST & TRANSPARENCY

Built by industry veterans
who’ve walked in your shoes

Built by industry veterans who’ve walked in your shoes

Modern payments teams constantly face new challenges - from evaluating local payment methods and selecting the right partners to building optimized flows and improving performance across markets.

Yet most card-centric payment providers were built for a different era. Legacy systems hide data, limit flexibility, and prioritize their own profitability.

As former payments leaders at Netflix, we spent years building infrastructure that processed billions of transactions. After hundreds of conversations with merchant peers and partners, we saw the same gap again and again: PSPs failed to deliver when merchants needed transparency, true partnership, and teams who genuinely cared.

So we built Nopan, a merchant-native payments company designed around clarity, trust, and performance, where engineers and product teams work directly with merchants, not hidden behind layers of hierarchy or support tickets.

Founders

Learn More About Us

Learn More About Us

Learn More About Us

BACKED BY

PAYMENT INSTITUTION LICENSE

BLOG

BLOG

Stay updated with
news from us

Read the Blog

Read the Blog

Read the Blog

News

Nopan secures a Payment Institution license from De Nederlandsche Bank (DNB)

We are proud to announce that Nopan has received approval from De Nederlandsche Bank (DNB), the Dutch Central Bank, to operate as a licensed Payment Institution (PI) across the European Union.

Written by Konstantin Surkov

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Read Article

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